964 Cedars Valley Rd, Saint Albans, MO 63073 Property Records

Franklin County property record for 964 Cedars Valley Rd, Saint Albans, MO 63073

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,150 sqft · built 2007
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (Dec 2011)
Tax Bill	$9,560 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-1-01.0-0-016-125.000`

Property Details

APN / Parcel Number

Primary APN	`08-1-01.0-0-016-125.000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,150 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Brick
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	964 CEDARS VALLEY RD
City	SAINT ALBANS
State	MO
Zip	63073-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:6 TIMBER TRACE PIII
Legal Range	2E
Legal Township	44N
Legal Section	01
Legal Subdivision	TIMBER TRACE
Legal Lot Number	6
Jurisdiction	FRANKLIN MO
Township / Civil Division	BOLES
Census Block Group	1
Census Block	1006
Census Tract	800102

Owner

964 Cedars Valley Rd is owned by an individual who acquired it in May 2025.

Source: Franklin County records, as of March 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	PO BOX 85, SAINT ALBANS, MO 63073-0085
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · Line of Credit UNITED BK/UNION
May 15, 2020	Deed of Trust, Mortgage UNITED BK/UNION
May 11, 2017	Deed of Trust, Mortgage UNITED BK/UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2011 · Amount on File
Deed Sale	Dec 29, 2011 · Amount on File
Deed Document Number	201120093
Last Transfer Date	May 21, 2025
Transfer Doc	0000000929
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	964 CEDARS VALLEY RD, SAINT ALBANS, MO 63073-1124
Document Number	0000017727
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	964 CEDARS VALLEY RD ST ALBANS MO 630731124, ST ALBANS, MO 63073-1124

Mortgage

Document Number	0000017727
Date	Oct 19, 2020
Instrument	17727

Lender

Name	UNITED BK/UNION
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	964 CEDARS VALLEY RD, SAINT ALBANS, MO 63073-1124
Document Number	0000007480
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	PO BOX 85 ST ALBANS MO 630730085, ST ALBANS, MO 63073-0085

Mortgage

Document Number	0000007480
Date	May 22, 2020
Instrument	7480

Lender

Name	UNITED BK/UNION
Type	Bank
Address	UNION, MO 63084

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 21, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	964 CEDARS VALLEY RD, SAINT ALBANS, MO 63073-1124
Document Number	0000007409
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 CEDARS VALLEY RD ST ALBANS MO 630731124, ST ALBANS, MO 63073-1124

Mortgage

Document Number	0000007409
Date	May 17, 2017
Instrument	7409

Lender

Name	UNITED BK/UNION
Type	Bank
Address	UNION, MO 63084

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 964 Cedars Valley Rd was $9,560.

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	Washington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,560.00	$133,912	$704,800 Land $110,000 Building $594,800
2023	$8,175.00 (-5.16%)	$124,146	$653,400 Land $110,000 Building $543,400
2022	$8,620.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 964 Cedars Valley Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 964 Cedars Valley Rd is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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